HOLIDAY SHOPPING — SHOP TILL YOU DROP — WATCH THOSE OVER LIMIT CREDIT CARD FEES

Credit – Over the Limit

Credit cards are wonderful tools, but they come with serious responsibilities.

You should be using a credit card to your advantage – whether that means getting an interest-free loan every month by paying your balance off in full, or just the simple security and satisfaction that having extra buying power at your fingertips can bring.

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Imagine you had a credit card was a $500 limit, and in the run-up to Christmas, you nearly maxed out your card.

Before taking that last shopping trip of the season, you went online to check your balance and saw that you had $19 of available credit. “No matter,” you say to yourself, “I’ll pay the balance in full when I get my Christmas bonus from the office.”

The only other charge you made was for a couple of mochachinos at the local coffee house, but two days later you were shocked to learn that you somehow went over your credit limit! Worse yet, your card company hit you with a $29 fee! The Mochachino That Broke the Camel’s Back

This can happen a lot easier than you might expect. In the above example, you may have recently “paid at the pump.” Oftentimes a gas station charges your card only $1 at the point-of-purchase and applies the remainder of the charge to your card later that day (or the next day).

Let’s say you had $17 in gas that you forgot about. That would reduce your available credit to $3 ($19 – $17 + $1 for the refunding of the temporary charge).

Then when you bought two $2.50 drinks, you pushed your balance to $502, exceeding your credit limit by $2, and receiving a whopping $29 fine. It happens all the time.

The real question should be, “Why do credit card companies let this happen?” After all, couldn’t they just reject your card at the coffeehouse?

The gas station reserves the funds on your card even before it charges them, so shouldn’t you not be able to buy the coffee and go over your credit limit? It depends.

Some people would find this embarrassing fate more horrible than the $29 over-limit fee, particularly if the second coffee was for a romantic interest or client. But the reality is that credit card companies exist in the world to make money.

There’s nothing wrong with that, but you need to be aware of the fees and expenses associated with your card and do your best to avoid them. Tips for Avoiding Over-Limit Fees

1. Use a separate card for your gas purchases. Since “pay at the pump” can distort your true balance, it is wise to use one card exclusively for gas.

This can be an actual gas card or just a regular card card that you designate as your own gas card. It might be okay to have some recurring charges (cable bill, subscription charges, etc.) also on the card, but don’t use it to make “discretionary” purchases.

If you have $200 of recurring charges on your card and you typically spend $80 a month on gas, this means you’ll only need a card with a $300 limit.

Then again, $500 would be better for a little cushion in case you spend more on gas – either because you take a trip or because gas prices to through the roof!

2. Check your balance on a daily basis. If you maximize the benefits of your credit cards by nearly maxing them out each month and then paying off the balance in full, then you need to spend a little more time making sure managing your cards.

Check your balance online every day and look at the itemized charges. Sometimes charges don’t show up right away, so be on the lookout for anything that’s missing. And if you do use your card for gas, make sure you keep your gas receipts so you know how much you really spent when your statement still says “$1.”

The Real Cost of Exceeding Your Limit

No one likes paying $29 extra for a couple of coffees, but the even greater cost of going over your credit limit is the damage it does to your credit.

Many card companies begin charging you the maximum interest after just one overage – and not the card you went over on. An entirely unrelated company might also jack up your interest rate, even though you’ve always paid your bills on time with them, so do everything you can to avoid going over.

Credit cards are wonderful tools, but they come with serious responsibilities. You should be using a credit card to your advantage – whether that means getting an interest-free loan every month by paying your balance off in full, or just the simple security and satisfaction that having extra buying power at your fingertips can bring.

But when you start paying $29 fees and higher interest, you are letting the powerful tool wield itself against you. Be a smart consumer, but also check the over-limit fees and practices of cards before you sign up for them.

No one intends on exceeding their credit limit, but it does happen to most people, so be aware!

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GENERATION MILLINEALS — STARTING A BUSINESS — ARE YOU SERIOUS ABOUT CUSTOMER SERVICE

Are you Serious about Customer Service

Is your online company really serious about Internet customer service? When it comes down to it, excellent customer service is pretty much the only way you will convert visitors to customers.

Customer Service, Business, Live Chat

Is your online company really serious about Internet customer service? When it comes down to it, excellent customer service is pretty much the only way you will convert visitors to customers.

You can also increase your ROI and improve online sales with excellent customer service.

If you are truly serious about offering quality customer service, your best option would be customer service software.SETTING GOALS — BUILDING WEALTH — NOT DEBT

With customer service software you can reduce customer service costs and increase your conversion rate at the same time.

All the while, you will be making your customers happier, which will lead to more sales and an increase in ROI.BUILDING WEALTH — NOT DEBT — INVESTING FOR THE FUTURE

Customer service software helps small businesses and large businesses alike by offering customer service messenger, support messenger and support messenger.

These offer 24/7 customer service to customers and potential customers. They can also allow you track customers online and track consumer behavior online as well Continue reading “GENERATION MILLINEALS — STARTING A BUSINESS — ARE YOU SERIOUS ABOUT CUSTOMER SERVICE”

THE GREATEST GENERATION — ARE YOU READY TO START YOUR OWN BUSINESS? THE 4 KEY QUESTIONS YOU MUST ASK —

Are You Ready To Start Your Own Business? The 4 Key Questions You Must Ask

How can you make sure that you are among the winners rather than the losers in this high stakes game? The answer is inside of you. You must ask yourself four key questions to determine whether your own small business will survive and thrive.

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Every year millions of people answer “Yes” to that question and every year that answer costs many of them money, time, confidence, and heartbreak.

The Small Business Administration estimates there are 580,900 new small businesses opening each year and that number does not include the small one-person entrepreneurships that pop up every day.

However even if you are your business’s sole employee then there is still something to be learned from the SBA’s numbers.

According to the SBA, two-thirds of new businesses survive at least two years and 44 percent survive at least four years.

Two of the key factors in the businesses survival and ability to thrive: the owner’s education level and the owner’s reason for starting the firm in the first place.

How can you make sure that you are among the winners rather than the losers in this high stakes game? The answer is inside of you. You must ask yourself four key questions to determine whether your own small business will survive and thrive.FREE ADDITONAL INFORMATION — CLICK NOW

1. Are You Ready

Have you mentally prepared yourself for the switch from employee (or student or whatever label fits you currently) to boss. You are going to be the one making decisions now about everything from office products to product line.

This total control is one of the driving forces behind many people who take the plunge into starting their ownbusiness but it is also one of the elements that drives new entreprenurs crazy.

When you start out there is an endless list of decisions that need to be made and new questions crop up every day.

Even more important you will need to remember that in a small business you will wear many hats. Even if you manage to start out with one or more employees you will each fulfill more than one role in your new business.

And if you are running a one-man or one-woman show then you serve in every capacity from file clerk to maintenance crew to salesman to CEO. Can you handle switching from task to task and role to role like that? Are you willing to make those switches?

Similarly, have you prepared your family and friends for this switch in attitude. Your life is going to change — probably pretty drastically — and that change can have a positive or negative impact on your family life and social interactions.

It will make things much easier if your friends and family are supportive going into the process.

2. Where Is Your Niche?

Have you identified your niche yet? One of the reasons many businesses fail is that they fail to focus on a target audience.

Yes if you are a major discount chain then you can sell everything from peanuts to wallpaper but this type of business requires vast resources that just aren’t available to the small business.

But small businesses dominate the marketplace (creating more than 50 percent of the private gross domestic product last year) by finding a different approach — a niche.

Knowing your niche means you are better able to find, target, and maintain your customers as well as provide the best possible goods and services to that customer base.STARTING A BUSINESS

That focus is one of your best chances to not only survive but to thrive in a very competitive marketplace.

3. What Is Your Plan Of Action?

Another key factor in the survival and ultimate success of your business is how much planning you do before you open your electronic or physical doors. You need to decide if your business will be based on the internet or include more traditional models.

Are you going to work full-time or part-time at your new business? Are you going to hire help or go solo? Have you written (or at least outlined) your business plan? Dreaming, thinking and planning can save you much trouble and waste later when things are hectic and problems strike.

Planning can also help keep you focused and to balance your spending and time.

4. Who Are You Going To Call?

At some point, no matter how experienced a business person you are, you will need help. You will need support, advice, tools, or information — or all of the above. One of the beautiful, and most frightening, aspects of growth is that it can lead you to places you never imagined.

No matter how much planning and experience you bring to your new position as CEO the unexpected will arise. How will you cope with this? It is important to recognize that no business is an island.

It is not failure to seek help. Failure is when your business shuts down because you didn’t get the help you needed. Continue reading “THE GREATEST GENERATION — ARE YOU READY TO START YOUR OWN BUSINESS? THE 4 KEY QUESTIONS YOU MUST ASK —”

GENERATION MILLINEALS — ADVICE ABOUT SETTING UP YOUR OWN BUSINESS — STARTING A BUSINESS

Advice About Setting Up Your Own Business

Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?

If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.

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Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?

If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.

Many people are looking at ways in which they can become self-employed as they have had enough of being dictated to and fed up of long and frustrating commutes to work.

They want the freedom of being their own boss and to be able to choose their own hours of work.

Leaving a full time career can be quite a scary prospect however. The security of having a regular income and other benefits such as a pension and a share save scheme can seem hard to let go.

I am sure many people whether rightly or wrongly have opted to stick with this security and to merely keep their business plan as an idea, which they never see through or use.

Other people are willing and happy to take the risk and see it as a way of getting out of the rat race.

When you have an idea for a new business you then need to think of a name to call it. I would keep this name quite short as it makes it easier to remember for people.

It obviously needs to have something to do with the business sector you are entering.

You will now need to work out how much money you will need to set up the business. This can be quite daunting but is essential.

In the short term I would advise to keep these start up costs as low as possible, you can always buy or rent better machinery in the future as an example.

Once you are aware of how much money you need, you then have to find it. You may have enough yourself via savings or a redundancy payout, however most people are not in this position.

If you do not have enough money, you could try and raise money via the family, by seeking a partner or by releasing the equity from your house. There is also the option of a business loan.

The next stage is to market your product or service. There are many ways of doing this including:

The internet via a website

An advert in the newspaper

Direct marketing in the form of leaflets

An advert in the yellow pages

Exhibitions

Trade fairs

I would advise finding out where other people from your industry advertise as they will have tried and tested many of the above options.

You then need to work out how much to charge for your product or service. I always keep these charges fairly low at the outset in order to attract as many people as I can and to get some income in.

I then hope that word of mouth will take over and the idea is that after a few months I will be in a position to increase my fees.

It is also important to realize that we will make mistakes along the way. When this happens we need to think positive and not to beat ourselves up. It is an experience we can learn from.

Always have belief in yourself. At times any business will go through a rocky period, this is when we need to be strong. In my opinion the more work we put in, the more rewards we are likely to obtain.
START A BUSINESS FROM ANYWHERE/RUN IT FROM ANYWHERE — BUILD SUBSTANTIAL PASSIVE/RESIDUAL INCOME
Continue reading “GENERATION MILLINEALS — ADVICE ABOUT SETTING UP YOUR OWN BUSINESS — STARTING A BUSINESS”

GREATEST GENERATION — A WHOLE NEW WORK — ONINE BUSINESS — WORK FROM ANYWHERE — PASSIVE INCOME/RESIDUAL INCOME — AGE NO ISSUE

Create A Website for $1.99/Month

A Whole New World

An insight into the first steps of a new internet marketer.

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If, like me, your career in life has not involved any form of marketing or selling, then to get involved in internet marketing is one hell of a giant leap.

I was first introduced into internet marketing through an email that I received twice weekly. I kept seeing an advert for something called Google Ads.

Now ,at this point, all I used the internet for was either playing games or just browsing in general for any information that I needed on any subject matter under the sun.

The advert said that all I needed to do to make any money was place adverts onto Google’s search engine and people would buy products and I would receive a generous commission. Simple ,I thought ,that is until you try it as an uneducated marketer.

I lost more money than I made, but this can be quite normal for the beginner. I accepted the fact that I had lost money but vowed to continue looking for something that I could do.

So, being curious about money making on the internet I decided to investigate further.

I came across many money making opportunities that promise this that and the other, which I am sure a lot of you have seen yourselves.
Anyway, after a while I found an offer that I thought I could try out and see what happens without losing an absolute fortune.

After starting a venture into internet marketing for the first time you will find yourself seemingly lost in a world of information. There is so much to learn and so many ways to learn it.

It takes time to learn what you need to know about internet marketing And I don’t think that there are any real secrets, just techniques.

On the internet there are thousands of people trying to make money and they are all either making new products or looking for products to help themselves financially.

There are endless programs and E-Books and ideas available that try to help you succeed in whatever money making business you are involved in.

I am not trying to promote anything here, I am just trying to say that when you go into internet marketing, take your time, learn, read, re-read, and learn again.
PERFECT BUSINESS FOR RETIRES ON THE GO — CLICK NOW
FREE HOW TO INFORMATION TO START A BUSINESS –CLICK NOW

Continue reading “GREATEST GENERATION — A WHOLE NEW WORK — ONINE BUSINESS — WORK FROM ANYWHERE — PASSIVE INCOME/RESIDUAL INCOME — AGE NO ISSUE”

BABY BOOMERS GENERATION — 5 GOOD REASONS A SELF-EMPLOYED PROFESSIONAL SHOULD TAKE VACATION — CELEBRATE/REWARD YOURSELF

5 Good Reasons a Self-Employed Professional Should Take Vacation

So you think you’re not justified in taking time away from your business because you’re self-employed? Here are five great reasons why you should definitely take a vacation.

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So you think you’re not justified in taking time away from your business because you’re self-employed? Here are five great reasons why you should definitely take a vacation:

1. Physical down time

You work hard to grow and maintain your business. Trying to be superhuman will certainly take its toll if you allow it to. Give your body a break by taking in some R&R.

2. Mental down time

Your days are filled with busy, sometimes even hectic, day-to-day activities related to your business.

If you don’t allow yourself to get away from it once in a while, your peace of mind and general well-being will most definitely suffer. Get out and play. Your mind will thank you! Continue reading “BABY BOOMERS GENERATION — 5 GOOD REASONS A SELF-EMPLOYED PROFESSIONAL SHOULD TAKE VACATION — CELEBRATE/REWARD YOURSELF”

MILLINEALS GENERATION — 4 RULES FOR NEW ENTREPRENEURS – PRACTICAL TIPS FOR STARTING RIGHT

4 Rules For New Entrepreneurs – Practical Tips For Starting Right

It’s a great time to be an entrepreneur—in the last decade, technology has leveled the playing field and propelled an entrepreneurial revolution. As an entrepreneur, you now have more access to information that enables you to make more intelligent choices more quickly.

You have an advantage over big businesses in that you’re lighter, more flexible, and faster on your feet. You can target new markets more quickly, and you can turn on a dime.

But being a successful entrepren…CLICK NOW — START AN ONLINE BUSINESS — NO OBLIGATIONS
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It’s a great time to be an entrepreneur—in the last decade, technology has leveled the playing field and propelled an entrepreneurial revolution.

As an entrepreneur, you now have more access to information that enables you to make more intelligent choices more quickly. You have an advantage over big businesses in that you’re lighter, more flexible, and faster on your feet. You can target new markets more quickly, and you can turn on a dime.

But being a successful entrepreneur requires that you look at the big picture and follow a plan through from beginning to end. START A BUSIINESS AND BECOME WEALTHY

Rieva Lesonsky, editor-in-chief of Entrepreneur Magazine gives some practical guidelines that can help you when beginning your own enterprise: Continue reading “MILLINEALS GENERATION — 4 RULES FOR NEW ENTREPRENEURS – PRACTICAL TIPS FOR STARTING RIGHT”

GENERATION X — STARTING AN ONLINE BUSINESS — 5 REASONS WHY YOU NEED A WORK-AT-HOME SCHEDULE

5 Reasons Why You Need A Work-At-Home Schedule

After studying my time and chatting with some other work-at-home folks, I discovered five reasons to embrace the schedule

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One of the attractions of working at home is the vision of freedom it invokes — no time clock, no time sheets, and no one to account to for how you spend your time.

Yes, it is an attractive proposition, but like so many attractive propositions there is a heavy downside — you are likely wasting a lot of time.NOW A BUSINESS YOU SHOULD CHECK OUT — CLICK NOW

My husband spends time every day filling out these large spreadsheets to account for his day. He works for a large engineering company and his day often encompasses work on a variety of projects for different clients.

He loathes the activity and I have always dismissed it as a waste of time — that is until my home business recently took off and I realized there simply wasn’t enough hours in the day to accomplish all my goals. Continue reading “GENERATION X — STARTING AN ONLINE BUSINESS — 5 REASONS WHY YOU NEED A WORK-AT-HOME SCHEDULE”

STARTING A BUSINESS — YOUR BUSINESS PLAN WILL BECOME YOUR PARTNER


Your Business Plan Will Become Your Partner

Are you planning to start a new business? Or are you considering expanding your current business and require a bank loan or investment from outsiders?

If you are going to look for an investment of capital it is quite likely that you will be required to have a business plan. If you are starting a business, despite the work involved, a business plan can prepare you for the obstacles ahead and help ensure your success.

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Are you planning to start a new business? Or are you considering expanding your current business and require a bank loan or investment from outsiders?

If you are going to look for an investment of capital it is quite likely that you will be required to have a business plan. If you are starting a business, despite the work involved, a business plan can prepare you for the obstacles ahead and help ensure your success.

A business plan is something that many small businesses fail to create, however, many business owners are adamant that having a written business plan is one of the keys to their present success.FREE INFORMATION

Creating a business plan forces you to contemplate possible obstacles to your business and prepares you to find solutions that will help you to overcome them.

To find investors or get a bank loan, they will want to see that you have the experience or resources to run the business. They will want to see your projected income as well as your suggested repayment plan already laid out.

Taking the time to do this is not only important for them, but it gives you a measuring tool to verify if your business is growing properly.

You can gage your success on how close to the plan your business has actually performed. Perhaps you’ll do worse, or perhaps you’ll do better, either way it helps you determine how well your business is getting on.

If you have never seen a business plan before you may be concerned that is is too difficult a proposition for you to manage on your own.

While there are services available where you can hire someone to write a business plan for you, depending on your needs it may be wise to familiarize yourself with a business plan’s layout. This will not only help you to provide the necessary information, but may encourage you to try your own hand at it.

There’s a free tool at www.bdc.ca which will assist you in creating a business plan. Some of the topics you will be required to explain are your Market, Customer, Competition, Marketing Plan, Research & Development along with financial forecasts. Continue reading “STARTING A BUSINESS — YOUR BUSINESS PLAN WILL BECOME YOUR PARTNER”

GENERATION Y — 5 STEPS TO GET YOUR PRIORITES STRAIGHT AT HOME AND IN BUSINESS

5 Steps To Get Your Priorities Straight At Home And In Business

STARTING A HOME BSED BUSINESS

Operating a successful home-based business is a time-consuming endeavor. This is doubly true as work-at-home moms in that we are responsible not only for the success of our business, but for our family as well. We must be self-reliant, self-motivated, and discipline ourselves in order to attain success in both areas.

When running a business from home, it’s easy to let the phone calls, emails and paperwork keep you tied down, making you feel that you don’t have time to take…FREE INFORMATION

CHRISTIAN, CHRISTIAN BUSINESS, CHRISTIAN WORK AT HOME MOMS, BUSINESS, HOME BUSINESS, HOME-BASED

Operating a successful home-based business is a time-consuming endeavor. This is doubly true as work-at-home moms in that we are responsible not only for the success of our business, but for our family as well. We must be self-reliant, self-motivated, and discipline ourselves in order to attain success in both areas.

When running a business from home, it’s easy to let the phone calls, emails and paperwork keep you tied down, making you feel that you don’t have time to take a break or to spend quality time with your family. Maybe you’ve noticed that you spend a little more time than you’d like in front of your computer or on the phone.

Maybe you see your kids acting out, trying to gain your attention. Perhaps you are seeing that this isn’t the work-at-home dream you envisioned.

You started out with such noble intentions, but maybe the excitement of success in your business has caused you to lose sight of the REAL reason do what you do each day. It happens to so many of us, but don’t worry, help is on the way.

Below are five ideas to prioritize your life and business:

1. Be honest – You probably didn’t start your work-at-home career to climb the “corporate ladder” of your at-home business.STARTING A BUSINESS

Chances are that you started your business with the best of intentions – to be able to be at home with your children, to contribute financially to your family, or simply to have a little spending money of your own. Spend some time in prayer and ask the Lord to show you the things that you need to change.

Take a moment and honestly ask yourself how you’ve been handling the time commitment of owning a business:

• Are you spending too much time on the phone, the computer, etc?
• Are your kids spending more time than usual in front of the TV?
• Do you snap at your children because of the stresses of your business?
• Do you worry about your business – to the point that it distracts you when you are with your family? Continue reading “GENERATION Y — 5 STEPS TO GET YOUR PRIORITES STRAIGHT AT HOME AND IN BUSINESS”